Research On Government Supervision Of Jiangxi Rural Commercial Bank

Although they have been developed more than 60 years for the internal rural commercial bank institutions,because of various factors,there still have lots of difficulties and challenges in the reality,such as risk outstanding and some operational difficulties,which have a bad influence on its "three rural" issue supporting role,and have a bad effect on the stability of the rural financial situation.So it is referred to an important agenda on the topic of “How to increase the capability of regulation and improve the effectiveness of regulatory on the rural commercial bank institutions”.It is obvious that it has a strong practical significance on the analysis of regulatory situation of Jiangxi Rural Commercial Bank institutions,the shortcomings and deficiencies of regulatory,and to explore how to improve the effectiveness of monitoring and response.In this paper,it made an analysis of development status,problems and causes of Jiangxi Rural Commercial Bank institutions by the methods of related literature reading and comparative study,and gave suggestions on the way to improve the effectiveness of financial regulation in rural cooperative finance of Jiangxi province.It includes five chapters in this paper.Firstly,it focused on the topics of the background,purpose,and the meaning of the study,meanwhile introducing the status,problems and innovations of relevant research,it also introduced the main contents of the article;Secondly,it described the relevant theoretical basis of financial regulation,and introduced the definition of regulatory effectiveness and described the conditions and principles of achievement;The third chapter expounds the basic situation of the rural commercial banks in our province and the status quo of government supervision.The fourth chapter analyzes the problems and causes of the current supervision of the rural commercial banks in our province.The fifth chapter puts forward the government of the rural commercial and commercial banks of our province.Some suggestions and countermeasures for supervision.From the research,we can know the following conclusions: First,the current supervision mechanism of Jiangxi Rural Commercial Bank has defects,mainly manifested in a single regulatory legislation,imperfect laws and regulations,independent supervision,supervision and management,etc.Second,Jiangxi Province There are constraints on the effectiveness of the supervision of the Rural Commercial Bank,mainly due to the weak governance of the rural commercial banks,the severe risk situation,limited policy support,and contradictions between development andpositioning.According to the problems found,four policy recommendations are proposed: one is to introduce regulations and regulations according to local conditions;the second is to strengthen the division of labor between the supervisory departments;the third is to improve the internal risk management and control level,improve the risk transfer mechanism;the fourth is to improve the effectiveness of policy support.